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2021-11-13

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2021-11-08

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2021-10-06

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2021-10-16

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2021-10-31

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2021-10-20

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2021-12-20

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Equifax to Add More ‘Buy Now, Pay Later’ Plans to Credit Reports<blockquote>Equifax将在信用报告中添加更多“先买后付”计划</blockquote>

2021-12-11

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Sea Ltd stock dropped more than 5% in morning trading<blockquote>Sea Ltd股价早盘下跌超过5%</blockquote>

2021-09-30

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pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/698765332","repostId":"2194177239","repostType":4,"repost":{"id":"2194177239","kind":"news","pubTimestamp":1640559609,"share":"https://www.laohu8.com/m/news/2194177239?lang=zh_CN&edition=full","pubTime":"2021-12-27 07:00","market":"us","language":"en","title":"Santa Claus Rally watch: What to know this week<blockquote>圣诞老人集会观察：本周需要了解什么</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=2194177239","media":"Yahoo Finance","summary":"As traders return from the holiday-shortened week, the price action heading into the new year will be closely monitored — especially given the relatively light economic data and earnings calendar for the coming days.The S&P 500  is entering the period known for ushering in the so-called Santa Claus Rally, or seasonally strong timeframe for stocks at the end of each year.According to data from LPL Financial, the Santa Claus Rally period encapsulates the seven days most likely to be higher in any ","content":"<p><div> As traders return from the holiday-shortened week, the price action heading into the new year will be closely monitored — especially given the relatively light economic data and earnings calendar for ...</p><p><blockquote><div>随着交易员从假期缩短的一周中回归，进入新的一年的价格走势将受到密切关注——特别是考虑到相对清淡的经济数据和收益日历...</div></blockquote></p><p>  <a href=\"https://finance.yahoo.com/news/santa-claus-rally-watch-what-to-know-this-week-142909627.html\">网页链接</a>  </div> </p><p><blockquote><a href=\"https://finance.yahoo.com/news/santa-claus-rally-watch-what-to-know-this-week-142909627.html\">网页连接</a></blockquote></p><p></p>","source":"yahoofinance_au","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Santa Claus Rally watch: What to know this week<blockquote>圣诞老人集会观察：本周需要了解什么</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nSanta Claus Rally watch: What to know this week<blockquote>圣诞老人集会观察：本周需要了解什么</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">Yahoo Finance</strong><span class=\"h-time small\">2021-12-27 07:00</span>\n</p>\n</h4>\n</header>\n<article>\n<p><div> As traders return from the holiday-shortened week, the price action heading into the new year will be closely monitored — especially given the relatively light economic data and earnings calendar for ...</p><p><blockquote><div>随着交易员从假期缩短的一周中回归，进入新的一年的价格走势将受到密切关注——特别是考虑到相对清淡的经济数据和收益日历...</div></blockquote></p><p>  <a href=\"https://finance.yahoo.com/news/santa-claus-rally-watch-what-to-know-this-week-142909627.html\">网页链接</a>  </div> </p><p><blockquote><a href=\"https://finance.yahoo.com/news/santa-claus-rally-watch-what-to-know-this-week-142909627.html\">网页连接</a></blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://finance.yahoo.com/news/santa-claus-rally-watch-what-to-know-this-week-142909627.html\">Yahoo Finance</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"FCEL":"燃料电池能源","SPY.AU":"SPDR® S&P 500® ETF Trust","BK4541":"氢能源","BK4096":"电气部件与设备"},"source_url":"https://finance.yahoo.com/news/santa-claus-rally-watch-what-to-know-this-week-142909627.html","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2194177239","content_text":"As traders return from the holiday-shortened week, the price action heading into the new year will be closely monitored — especially given the relatively light economic data and earnings calendar for the coming days.\nThe S&P 500 (^GSPC) is entering the period known for ushering in the so-called Santa Claus Rally, or seasonally strong timeframe for stocks at the end of each year.\nThe term, coined by Stock Trader's Almanac in the 1970s, encompasses the final five trading days of the year and first two sessions of the new year. This year, that Santa Claus Rally window is set to start on Monday, Dec. 27 — or the latest a Santa Claus rally has started in 11 years, due to the timing of the holidays this year.\nAccording to data from LPL Financial, the Santa Claus Rally period encapsulates the seven days most likely to be higher in any given year. Since 1950, the Santa Claus Rally period has produced a positive return for the S&P 500 78.9% of the time, with an average return of 1.33%.\n“Why are these seven days so strong?” wrote Ryan Detrick, LPL Financial chief market strategist, in a note. “Whether optimism over a coming new year, holiday spending, traders on vacation, institutions squaring up their books — or the holiday spirit — the bottom line is that bulls tend to believe in Santa.”\nAnd if history is any indication, the absence of a Santa Claus Rally has also typically served as a harbinger of lower near-term returns.\n\"Going back to the mid-1990s, there have been only six times Santa failed to show in December. January was lower five of those six times, and the full year had a solid gain only once (in 2016, but a mini-bear market early in the year),\" Detrick added.\n“Considering the bear markets of 2000 and 2008 both took place after one of the rare instances that Santa failed to show makes believers out of us,\" he said. A bear market typically refers to when stocks drop at least 20% from recent record highs. \"Should this seasonally strong period miss the mark, it could be a warning sign.\"\nAnd this year, investors do have considerable additional concerns to mull heading into the new year. Though stocks closed out Thursday's session at fresh record highs before the long holiday weekend, December still marked a volatile month to start, with renewed concerns over the Omicron variant and the potential for tighter monetary policy from the Federal Reserve weighing on risk assets. Plus, prospects for more near-term fiscal support via the Biden administration's Build Back Better bill have dwindled, and inflation concerns spiked further. Last week, the Bureau of Economic Analysis reported core personal consumption expenditures (PCE) — the Fed's preferred inflation gauge — rose at a 4.7% year-over-year clip, or the fastest since 1983.\n\"If the U.S. was not battling the Omicron variant, U.S. stocks would be dancing higher as the Santa Claus Rally would have kept the climb going into uncharted territory,\" Edward Moya, chief market strategist at OANDA, wrote in a note last week. \"It is too early to say for sure if we will get a Santa Claus Rally, but given all the short-term risks of Fed tightening, Chinese weakness, fiscal support uncertainty and COVID, Wall Street is not complaining.\"\nA man in a Santa Claus costume gestures on the floor at the closing bell of the Dow Industrial Average at the New York Stock Exchange on December 5, 2019 in New York. (Photo by Bryan R. Smith / AFP) (Photo by BRYAN R. SMITH/AFP via Getty Images)BRYAN R. SMITH via Getty Images\nEconomic calendar\n\nMonday: Dallas Federal Reserve Manufacturing Activity Index, Dec. (13.0 expected, 11.8 in November)\nTuesday: FHFA House Price Index, month-over-month, October (0.9% in September); S&P CoreLogic Case-Shiller 20 City Composite Index, month-over-month, October (0.9% expected, 0.96% in September); S&P CoreLogic Case-Shiller 20 City Composite Index, year-over-year, October (18.6%. expected, 19.05% in September); S&P CoreLogic Case-Shiller Home Price Index, year-over-year, November (19.51% in October); Richmond Fed Manufacturing Index, December (11 expected,11 in November)\nWednesday: Wholesale Inventories, month-over-month, November preliminary (1.7% expected, 2.3% in October); Advance Goods Trade Balance, November (-$89.0 billion expected, -$82.9 billion in October); Retail Inventories, month-over-month, November (0.5% expected, 0.1% in October); Pending Home Sales, month-over-month, November (0.5% expected, 7.5% in October)\nThursday: Initial jobless claims, week ended Dec. 25. (205,000 during prior week); Continuing claims, week ended Dec. 18 (1.859 million during prior week); MNI Chicago PMI, December (62.2 expected, 61.8 in November)\nFriday: No notable reports scheduled for release\n\nEarnings calendar\n\nMonday: No notable reports scheduled for release\nTuesday: No notable reports scheduled for release\nWednesday: FuelCell Energy Inc. (FCEL) before market open\nThursday: No notable reports scheduled for release\nFriday: No notable reports scheduled for release","news_type":1,"symbols_score_info":{"FCEL":0.9,"SPY.AU":0.9}},"isVote":1,"tweetType":1,"viewCount":2716,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":698551314,"gmtCreate":1640476332608,"gmtModify":1640476332787,"author":{"id":"3581754084854007","authorId":"3581754084854007","name":"7dab6d0","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3581754084854007","authorIdStr":"3581754084854007"},"themes":[],"htmlText":"Like pls","listText":"Like pls","text":"Like 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pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":4,"repostSize":0,"link":"https://laohu8.com/post/693077871","repostId":"1153903024","repostType":4,"repost":{"id":"1153903024","kind":"news","pubTimestamp":1639955984,"share":"https://www.laohu8.com/m/news/1153903024?lang=zh_CN&edition=full","pubTime":"2021-12-20 07:19","market":"us","language":"en","title":"Equifax to Add More ‘Buy Now, Pay Later’ Plans to Credit Reports<blockquote>Equifax将在信用报告中添加更多“先买后付”计划</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1153903024","media":"The Wall Street Journal","summary":"Short-term payment plans for small-ticket items are growing quickly, creating a blind spot for lende","content":"<p>Short-term payment plans for small-ticket items are growing quickly, creating a blind spot for lenders</p><p><blockquote>小额项目的短期付款计划增长迅速，给贷方带来了盲点</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/ece6d96b441ee27bfda58fca9763be17\" tg-width=\"1290\" tg-height=\"859\" width=\"100%\" height=\"auto\"><span>Early next year, Equifax will begin recording ‘pay-in-4’ installment plans on people’s credit reports.</span></p><p><blockquote><p class=\"t-img-caption\"><span>明年初，Equifax将开始在人们的信用报告中记录“4次付款”分期付款计划。</span></p></blockquote></p><p> A popular kind of “buy now, pay later” plan is coming to credit reports.</p><p><blockquote>一种流行的“先买后付”计划即将出现在信用报告中。</blockquote></p><p> Early next year,Equifax&nbsp;Inc.&nbsp;will begin recording installment plans that allow shoppers to make four biweekly payments instead of covering the full cost at checkout. The move is meant to give lenders a fuller picture of people’s financial commitments, including how much they owe on these plans.</p><p><blockquote>明年初，Equifax Inc.将开始记录分期付款计划，允许购物者每两周一次付款，而不是在结账时支付全部费用。此举旨在让贷方更全面地了解人们的财务承诺，包括他们在这些计划中欠了多少钱。</blockquote></p><p> These “pay-in-4” plans have exploded in popularity in recent years. They are often used for small-ticket items such as clothing and makeup and are typically billed directly to a shopper’s debit or credit card. A $200 shopping trip, for example, requires $50 upfront and three more $50 payments billed every two weeks.</p><p><blockquote>近年来，这些“四次付费”计划大受欢迎。它们通常用于服装和化妆品等小额商品，通常直接记入购物者的借记卡或信用卡。例如，一次200美元的购物旅行需要预付50美元，每两周再支付三次50美元的费用。</blockquote></p><p> Buy now, pay later is booming&nbsp;in the U.S. High-end and discount retailers alike&nbsp;offer the plans at checkout&nbsp;online. Some merchants also offer them in stores. But the plans often don’t show up on credit reports, creating a blind spot for lenders that use the information on the reports to gauge an applicant’s ability to repay.</p><p><blockquote>“先买后付”在美国正在蓬勃发展。高端零售商和折扣零售商都提供在线结账计划。一些商家也在商店里提供。但这些计划通常不会出现在信用报告上，这给使用报告上的信息来衡量申请人还款能力的贷方造成了盲点。</blockquote></p><p> “Responsible lending benefits from a complete picture of a person’s financial obligations,” said Equifax Chief Executive Mark Begor.</p><p><blockquote>Equifax首席执行官马克·贝戈尔(Mark Begor)表示：“负责任的贷款受益于对个人财务义务的完整了解。”</blockquote></p><p> Billions of dollars of obligations go unreported. Buy now, pay later company&nbsp;Afterpay&nbsp;Ltd., for example, did $9.8 billion in pay-in-4 plans in North America during the 12 months ended June 30, more than double a year earlier. Klarna Bank AB transactions during the first half of the year in the U.S. totaled $3.2 billion, up from $722 million during the same period in 2020. The majority are pay-in-4 plans.</p><p><blockquote>数十亿美元的债务没有被报告。例如，先买后付公司Afterpay Ltd.在截至6月30日的12个月内，在北美的四期付款计划中完成了98亿美元，是一年前的两倍多。Klarna Bank AB今年上半年在美国的交易总额为32亿美元，高于2020年同期的7.22亿美元。大多数是四次付费计划。</blockquote></p><p> The payment plans are small—the average Afterpay transaction is $150—but they can add up if shoppers use them frequently.</p><p><blockquote>付款计划规模很小——平均Afterpay交易为150美元——但如果购物者经常使用它们，它们可以累积起来。</blockquote></p><p> Credit-reporting firms have faced technical challenges adding short-term installment plans to credit reports. Most credit reports aren’t set up to display biweekly payments. And there is often a lag between when consumers open accounts and when lenders send that information for inclusion in people’s credit reports. The lag can outlast a fast repayment period.</p><p><blockquote>信用报告公司在信用报告中添加短期分期付款计划时面临着技术挑战。大多数信用报告并未设置为显示每两周付款一次。消费者开设账户和贷方发送该信息以纳入人们的信用报告之间通常存在滞后。这种滞后可能会超过快速还款期。</blockquote></p><p> Some buy now, pay later installment loans for big-ticket items are recorded on credit reports in the same section as personal loans. Far fewer of these smaller, short-term plans, which in most cases don’t require credit checks, are reflected in credit reports.</p><p><blockquote>一些先买后付的大件商品分期贷款与个人贷款记录在信用报告的同一部分。这些规模较小的短期计划（在大多数情况下不需要信用检查）很少反映在信用报告中。</blockquote></p><p> TransUnion&nbsp;said it doesn’t include these plans on its credit reports but is working with buy now, pay later companies to enable reporting next year. A small number of buy now, pay later companies submit information about these plans to&nbsp;Experian&nbsp;PLC, which then includes that data in credit reports. Experian is working with buy now, pay later firms to add more of this information to its reports.</p><p><blockquote>TransUnion表示，它没有将这些计划纳入其信用报告中，但正在与“先买后付”公司合作，以便明年进行报告。少数先买后付的公司向Experian plc提交有关这些计划的信息，然后Experian plc将这些数据包含在信用报告中。益百利正在与“先买后付”公司合作，在其报告中添加更多此类信息。</blockquote></p><p> Afterpay and Klarna, two of the biggest players in the business, don’t report their pay-in-4 plans to U.S. credit-reporting firms.Affirm Holdings&nbsp;Inc.&nbsp;said it reports the full payment history of some of its loans, including on-time payments and delinquencies. The company doesn’t report its pay-in-4 product. All three said they have been talking to the firms about potentially reporting these plans.</p><p><blockquote>该行业最大的两家公司Afterpay和Klarna不向美国信用报告公司报告其4期付款计划。Affirm Holdings Inc.表示，它报告了部分贷款的完整付款历史记录，包括按时付款和拖欠。该公司没有报告其pay-in-4产品。三人都表示，他们一直在与这些公司讨论报告这些计划的可能性。</blockquote></p><p> One stumbling block: The frequent opening and closing of accounts can drag down credit scores. The buy now, pay later companies want to make sure customers who pay their bills on time aren’t penalized for frequent use of their short-term payment plans.</p><p><blockquote>一个绊脚石：频繁开户和关闭账户会拖累信用评分。“先买后付”公司希望确保按时支付账单的客户不会因频繁使用短期付款计划而受到惩罚。</blockquote></p><p> Equifax will add the pay-in-4 data to credit reports beginning at the end of February. Both positive and negative information, on-time payments and defaults, will be included in reports and reflected in consumers’ credit scores, Equifax said.</p><p><blockquote>Equifax将从2月底开始将pay-in-4数据添加到信用报告中。Equifax表示，正面和负面信息（按时付款和违约）都将包含在报告中，并反映在消费者的信用评分中。</blockquote></p><p> Buy now, pay later plans are especially popular among people with limited credit histories who don’t qualify for credit cards or other traditional credit. These consumers, Equifax said, should get a boost from the plans’ inclusion on credit reports if they pay their bills on time.</p><p><blockquote>“先买后付”计划在信用记录有限、没有资格获得信用卡或其他传统信贷的人中特别受欢迎。Equifax表示，如果这些消费者按时支付账单，将这些计划纳入信用报告应该会得到提振。</blockquote></p><p> People who have thin credit files or who have no more than two years of credit history saw an average FICO credit-score increase of 21 points, according to an Equifax study, compared with an average of 13 points for the typical borrower.</p><p><blockquote>根据Equifax的一项研究，信用档案薄弱或信用记录不超过两年的人的FICO信用评分平均增加了21分，而典型借款人的平均增加了13分。</blockquote></p><p> The credit report will include when the payment plan was opened, the scheduled payment the consumer has agreed to make and the actual payment that is made.</p><p><blockquote>信用报告将包括付款计划打开的时间、消费者同意支付的预定付款以及实际支付的款项。</blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Equifax to Add More ‘Buy Now, Pay Later’ Plans to Credit Reports<blockquote>Equifax将在信用报告中添加更多“先买后付”计划</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; 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}\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nEquifax to Add More ‘Buy Now, Pay Later’ Plans to Credit Reports<blockquote>Equifax将在信用报告中添加更多“先买后付”计划</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">The Wall Street Journal</strong><span class=\"h-time small\">2021-12-20 07:19</span>\n</p>\n</h4>\n</header>\n<article>\n<p>Short-term payment plans for small-ticket items are growing quickly, creating a blind spot for lenders</p><p><blockquote>小额项目的短期付款计划增长迅速，给贷方带来了盲点</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/ece6d96b441ee27bfda58fca9763be17\" tg-width=\"1290\" tg-height=\"859\" width=\"100%\" height=\"auto\"><span>Early next year, Equifax will begin recording ‘pay-in-4’ installment plans on people’s credit reports.</span></p><p><blockquote><p class=\"t-img-caption\"><span>明年初，Equifax将开始在人们的信用报告中记录“4次付款”分期付款计划。</span></p></blockquote></p><p> A popular kind of “buy now, pay later” plan is coming to credit reports.</p><p><blockquote>一种流行的“先买后付”计划即将出现在信用报告中。</blockquote></p><p> Early next year,Equifax&nbsp;Inc.&nbsp;will begin recording installment plans that allow shoppers to make four biweekly payments instead of covering the full cost at checkout. The move is meant to give lenders a fuller picture of people’s financial commitments, including how much they owe on these plans.</p><p><blockquote>明年初，Equifax Inc.将开始记录分期付款计划，允许购物者每两周一次付款，而不是在结账时支付全部费用。此举旨在让贷方更全面地了解人们的财务承诺，包括他们在这些计划中欠了多少钱。</blockquote></p><p> These “pay-in-4” plans have exploded in popularity in recent years. They are often used for small-ticket items such as clothing and makeup and are typically billed directly to a shopper’s debit or credit card. A $200 shopping trip, for example, requires $50 upfront and three more $50 payments billed every two weeks.</p><p><blockquote>近年来，这些“四次付费”计划大受欢迎。它们通常用于服装和化妆品等小额商品，通常直接记入购物者的借记卡或信用卡。例如，一次200美元的购物旅行需要预付50美元，每两周再支付三次50美元的费用。</blockquote></p><p> Buy now, pay later is booming&nbsp;in the U.S. High-end and discount retailers alike&nbsp;offer the plans at checkout&nbsp;online. Some merchants also offer them in stores. But the plans often don’t show up on credit reports, creating a blind spot for lenders that use the information on the reports to gauge an applicant’s ability to repay.</p><p><blockquote>“先买后付”在美国正在蓬勃发展。高端零售商和折扣零售商都提供在线结账计划。一些商家也在商店里提供。但这些计划通常不会出现在信用报告上，这给使用报告上的信息来衡量申请人还款能力的贷方造成了盲点。</blockquote></p><p> “Responsible lending benefits from a complete picture of a person’s financial obligations,” said Equifax Chief Executive Mark Begor.</p><p><blockquote>Equifax首席执行官马克·贝戈尔(Mark Begor)表示：“负责任的贷款受益于对个人财务义务的完整了解。”</blockquote></p><p> Billions of dollars of obligations go unreported. Buy now, pay later company&nbsp;Afterpay&nbsp;Ltd., for example, did $9.8 billion in pay-in-4 plans in North America during the 12 months ended June 30, more than double a year earlier. Klarna Bank AB transactions during the first half of the year in the U.S. totaled $3.2 billion, up from $722 million during the same period in 2020. The majority are pay-in-4 plans.</p><p><blockquote>数十亿美元的债务没有被报告。例如，先买后付公司Afterpay Ltd.在截至6月30日的12个月内，在北美的四期付款计划中完成了98亿美元，是一年前的两倍多。Klarna Bank AB今年上半年在美国的交易总额为32亿美元，高于2020年同期的7.22亿美元。大多数是四次付费计划。</blockquote></p><p> The payment plans are small—the average Afterpay transaction is $150—but they can add up if shoppers use them frequently.</p><p><blockquote>付款计划规模很小——平均Afterpay交易为150美元——但如果购物者经常使用它们，它们可以累积起来。</blockquote></p><p> Credit-reporting firms have faced technical challenges adding short-term installment plans to credit reports. Most credit reports aren’t set up to display biweekly payments. And there is often a lag between when consumers open accounts and when lenders send that information for inclusion in people’s credit reports. The lag can outlast a fast repayment period.</p><p><blockquote>信用报告公司在信用报告中添加短期分期付款计划时面临着技术挑战。大多数信用报告并未设置为显示每两周付款一次。消费者开设账户和贷方发送该信息以纳入人们的信用报告之间通常存在滞后。这种滞后可能会超过快速还款期。</blockquote></p><p> Some buy now, pay later installment loans for big-ticket items are recorded on credit reports in the same section as personal loans. Far fewer of these smaller, short-term plans, which in most cases don’t require credit checks, are reflected in credit reports.</p><p><blockquote>一些先买后付的大件商品分期贷款与个人贷款记录在信用报告的同一部分。这些规模较小的短期计划（在大多数情况下不需要信用检查）很少反映在信用报告中。</blockquote></p><p> TransUnion&nbsp;said it doesn’t include these plans on its credit reports but is working with buy now, pay later companies to enable reporting next year. A small number of buy now, pay later companies submit information about these plans to&nbsp;Experian&nbsp;PLC, which then includes that data in credit reports. Experian is working with buy now, pay later firms to add more of this information to its reports.</p><p><blockquote>TransUnion表示，它没有将这些计划纳入其信用报告中，但正在与“先买后付”公司合作，以便明年进行报告。少数先买后付的公司向Experian plc提交有关这些计划的信息，然后Experian plc将这些数据包含在信用报告中。益百利正在与“先买后付”公司合作，在其报告中添加更多此类信息。</blockquote></p><p> Afterpay and Klarna, two of the biggest players in the business, don’t report their pay-in-4 plans to U.S. credit-reporting firms.Affirm Holdings&nbsp;Inc.&nbsp;said it reports the full payment history of some of its loans, including on-time payments and delinquencies. The company doesn’t report its pay-in-4 product. All three said they have been talking to the firms about potentially reporting these plans.</p><p><blockquote>该行业最大的两家公司Afterpay和Klarna不向美国信用报告公司报告其4期付款计划。Affirm Holdings Inc.表示，它报告了部分贷款的完整付款历史记录，包括按时付款和拖欠。该公司没有报告其pay-in-4产品。三人都表示，他们一直在与这些公司讨论报告这些计划的可能性。</blockquote></p><p> One stumbling block: The frequent opening and closing of accounts can drag down credit scores. The buy now, pay later companies want to make sure customers who pay their bills on time aren’t penalized for frequent use of their short-term payment plans.</p><p><blockquote>一个绊脚石：频繁开户和关闭账户会拖累信用评分。“先买后付”公司希望确保按时支付账单的客户不会因频繁使用短期付款计划而受到惩罚。</blockquote></p><p> Equifax will add the pay-in-4 data to credit reports beginning at the end of February. Both positive and negative information, on-time payments and defaults, will be included in reports and reflected in consumers’ credit scores, Equifax said.</p><p><blockquote>Equifax将从2月底开始将pay-in-4数据添加到信用报告中。Equifax表示，正面和负面信息（按时付款和违约）都将包含在报告中，并反映在消费者的信用评分中。</blockquote></p><p> Buy now, pay later plans are especially popular among people with limited credit histories who don’t qualify for credit cards or other traditional credit. These consumers, Equifax said, should get a boost from the plans’ inclusion on credit reports if they pay their bills on time.</p><p><blockquote>“先买后付”计划在信用记录有限、没有资格获得信用卡或其他传统信贷的人中特别受欢迎。Equifax表示，如果这些消费者按时支付账单，将这些计划纳入信用报告应该会得到提振。</blockquote></p><p> People who have thin credit files or who have no more than two years of credit history saw an average FICO credit-score increase of 21 points, according to an Equifax study, compared with an average of 13 points for the typical borrower.</p><p><blockquote>根据Equifax的一项研究，信用档案薄弱或信用记录不超过两年的人的FICO信用评分平均增加了21分，而典型借款人的平均增加了13分。</blockquote></p><p> The credit report will include when the payment plan was opened, the scheduled payment the consumer has agreed to make and the actual payment that is made.</p><p><blockquote>信用报告将包括付款计划打开的时间、消费者同意支付的预定付款以及实际支付的款项。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.wsj.com/articles/equifax-to-add-more-buy-now-pay-later-plans-to-credit-reports-11639915203?mod=hp_lista_pos4\">The Wall Street Journal</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"EFX":"艾可菲"},"source_url":"https://www.wsj.com/articles/equifax-to-add-more-buy-now-pay-later-plans-to-credit-reports-11639915203?mod=hp_lista_pos4","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1153903024","content_text":"Short-term payment plans for small-ticket items are growing quickly, creating a blind spot for lenders\nEarly next year, Equifax will begin recording ‘pay-in-4’ installment plans on people’s credit reports.\nA popular kind of “buy now, pay later” plan is coming to credit reports.\nEarly next year,Equifax Inc. will begin recording installment plans that allow shoppers to make four biweekly payments instead of covering the full cost at checkout. The move is meant to give lenders a fuller picture of people’s financial commitments, including how much they owe on these plans.\nThese “pay-in-4” plans have exploded in popularity in recent years. They are often used for small-ticket items such as clothing and makeup and are typically billed directly to a shopper’s debit or credit card. A $200 shopping trip, for example, requires $50 upfront and three more $50 payments billed every two weeks.\nBuy now, pay later is booming in the U.S. High-end and discount retailers alike offer the plans at checkout online. Some merchants also offer them in stores. But the plans often don’t show up on credit reports, creating a blind spot for lenders that use the information on the reports to gauge an applicant’s ability to repay.\n“Responsible lending benefits from a complete picture of a person’s financial obligations,” said Equifax Chief Executive Mark Begor.\nBillions of dollars of obligations go unreported. Buy now, pay later company Afterpay Ltd., for example, did $9.8 billion in pay-in-4 plans in North America during the 12 months ended June 30, more than double a year earlier. Klarna Bank AB transactions during the first half of the year in the U.S. totaled $3.2 billion, up from $722 million during the same period in 2020. The majority are pay-in-4 plans.\nThe payment plans are small—the average Afterpay transaction is $150—but they can add up if shoppers use them frequently.\nCredit-reporting firms have faced technical challenges adding short-term installment plans to credit reports. Most credit reports aren’t set up to display biweekly payments. And there is often a lag between when consumers open accounts and when lenders send that information for inclusion in people’s credit reports. The lag can outlast a fast repayment period.\nSome buy now, pay later installment loans for big-ticket items are recorded on credit reports in the same section as personal loans. Far fewer of these smaller, short-term plans, which in most cases don’t require credit checks, are reflected in credit reports.\nTransUnion said it doesn’t include these plans on its credit reports but is working with buy now, pay later companies to enable reporting next year. A small number of buy now, pay later companies submit information about these plans to Experian PLC, which then includes that data in credit reports. Experian is working with buy now, pay later firms to add more of this information to its reports.\nAfterpay and Klarna, two of the biggest players in the business, don’t report their pay-in-4 plans to U.S. credit-reporting firms.Affirm Holdings Inc. said it reports the full payment history of some of its loans, including on-time payments and delinquencies. The company doesn’t report its pay-in-4 product. All three said they have been talking to the firms about potentially reporting these plans.\nOne stumbling block: The frequent opening and closing of accounts can drag down credit scores. The buy now, pay later companies want to make sure customers who pay their bills on time aren’t penalized for frequent use of their short-term payment plans.\nEquifax will add the pay-in-4 data to credit reports beginning at the end of February. Both positive and negative information, on-time payments and defaults, will be included in reports and reflected in consumers’ credit scores, Equifax said.\nBuy now, pay later plans are especially popular among people with limited credit histories who don’t qualify for credit cards or other traditional credit. These consumers, Equifax said, should get a boost from the plans’ inclusion on credit reports if they pay their bills on time.\nPeople who have thin credit files or who have no more than two years of credit history saw an average FICO credit-score increase of 21 points, according to an Equifax study, compared with an average of 13 points for the typical borrower.\nThe credit report will include when the payment plan was opened, the scheduled payment the consumer has agreed to make and the actual payment that is made.","news_type":1,"symbols_score_info":{"EFX":0.9}},"isVote":1,"tweetType":1,"viewCount":3036,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":699418574,"gmtCreate":1639875637315,"gmtModify":1639875637444,"author":{"id":"3581754084854007","authorId":"3581754084854007","name":"7dab6d0","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3581754084854007","authorIdStr":"3581754084854007"},"themes":[],"htmlText":"Like pls","listText":"Like pls","text":"Like pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/699418574","repostId":"1116106959","repostType":4,"repost":{"id":"1116106959","kind":"news","pubTimestamp":1639785552,"share":"https://www.laohu8.com/m/news/1116106959?lang=zh_CN&edition=full","pubTime":"2021-12-18 07:59","market":"us","language":"en","title":"Wall Street ends down after mostly negative week<blockquote>华尔街在经历了大部分负面的一周后收盘下跌</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1116106959","media":"Reuters","summary":" - Wall Street finished lower on Friday, weighed down by Big Tech as investors worried about the Omicron coronavirus variant and digested the Federal Reserve's decision to end its pandemic-era stimulus faster.All three main U.S. stock indexes ended with a decline for the week after the Fed on Wednesday signaled three quarter-percentage-point interest rate hikes by the end of 2022 to combat surging inflation.Nvidia dropped 2.1% and Alphabet lost 1.9%, both weighing on the S&P 500 and Nasdaq.The S","content":"<p>(Reuters) - Wall Street finished lower on Friday, weighed down by Big Tech as investors worried about the Omicron coronavirus variant and digested the Federal Reserve's decision to end its pandemic-era stimulus faster.</p><p><blockquote>（路透社）-华尔街周五收低，受大型科技股拖累，投资者担心奥密克戎冠状病毒变种，并更快消化美联储结束大流行时期刺激措施的决定。</blockquote></p><p> All three main U.S. stock indexes ended with a decline for the week after the Fed on Wednesday signaled three quarter-percentage-point interest rate hikes by the end of 2022 to combat surging inflation.</p><p><blockquote>在美联储周三暗示在2022年底前加息三次0.25个百分点以应对飙升的通胀后，美国三大主要股指本周均收跌。</blockquote></p><p> Nvidia dropped 2.1% and Alphabet lost 1.9%, both weighing on the S&amp;P 500 and Nasdaq.</p><p><blockquote>英伟达下跌2.1%，Alphabet下跌1.9%，均令标普500和纳斯达克承压。</blockquote></p><p> The S&amp;P 500 growth index lost 0.7% and the value index declined 1.4%.</p><p><blockquote>标普500增长指数下跌0.7%，价值指数下跌1.4%。</blockquote></p><p> All of the 11 major S&amp;P 500 sector indexes fell, with financials leading the way down with a 2.3% drop. Energy lost 2.2%.</p><p><blockquote>标普500 11大板块指数悉数下跌，金融股跌幅2.3%领跌。能源下跌2.2%。</blockquote></p><p> Adding to uncertainty, Pfizer said on Friday the pandemic could extend through next year. European countries geared up for further travel and social restrictions and a study warned that the rapidly spreading Omicron coronavirus variant was five times more likely to reinfect people than its predecessor, Delta.</p><p><blockquote>辉瑞周五表示，疫情可能会延续到明年，这增加了不确定性。欧洲国家为进一步的旅行和社会限制做好了准备，一项研究警告说，迅速传播的奥密克戎冠状病毒变种重新感染人类的可能性是其前身达美航空的五倍。</blockquote></p><p> Traders also pointed to year-end tax selling and the simultaneous expiration of stock options, stock index futures and index options contracts - known as triple witching - as potential causes for volatility.</p><p><blockquote>交易员还指出，年终税收抛售以及股票期权、股指期货和指数期权合约同时到期——被称为三重巫术——是波动的潜在原因。</blockquote></p><p> \"It's a big options expiration day,\" said Joe Saluzzi, co-manager of trading at Themis Trading in Chatham, New Jersey. \"And now you draw on top of that some Omicron, and you've got volatility, and I think it creates a lot of uncertainty amongst investors. Where are you going to position for the end of the year?\"</p><p><blockquote>新泽西州查塔姆Themis Trading交易联席经理Joe Saluzzi表示：“这是一个重要的期权到期日。”“现在你在此基础上利用一些奥密克戎，就会出现波动，我认为这给投资者带来了很多不确定性。今年年底你打算在哪里定位？”</blockquote></p><p> Heavyweight growth stocks including Nvidia and Microsoft have outperformed the broader market in 2021, while the Philadelphia SE Semiconductor index has surged about 35%. The benchmark S&amp;P 500 index gained around 23% in the same period.</p><p><blockquote>包括英伟达和微软在内的权重成长股在2021年的表现优于大盘，而费城SE半导体指数则飙升了约35%。基准标普500指数同期上涨约23%。</blockquote></p><p> In Friday's session, the Dow Jones Industrial Average fell 1.48% to end at 35,365.44 points, while the S&amp;P 500 lost 1.03% to 4,620.64.</p><p><blockquote>周五交易中，道琼斯工业平均指数下跌1.48%，收于35,365.44点，标普500下跌1.03%，收于4,620.64点。</blockquote></p><p> The Nasdaq Composite dropped 0.07% to 15,169.68.</p><p><blockquote>纳斯达克综合指数下跌0.07%，至15,169.68点。</blockquote></p><p> On a positive note, the small-cap Russell 2000 index rallied 1% after having fallen more than 10% from a record high in early November.</p><p><blockquote>积极的一面是，小盘股罗素2000指数在从11月初的历史高点下跌超过10%后，上涨了1%。</blockquote></p><p> With options expiring, volume on U.S. exchanges jumped to 16.6 billion shares, far above the 11.9 billion average over the last 20 trading days.</p><p><blockquote>随着期权到期，美国交易所的成交量跃升至166亿股，远高于过去20个交易日119亿股的平均水平。</blockquote></p><p> For the week, the S&amp;P 500 fell 1.9%, the Dow lost 1.7% and the Nasdaq declined 2.9%.</p><p><blockquote>本周，标普500下跌1.9%，道琼斯指数下跌1.7%，纳斯达克下跌2.9%。</blockquote></p><p> In Friday's session, Oracle tumbled 6.4% after the Wall Street Journal reported the enterprise software maker is in talks to buy electronic medical records company Cerner in a deal that could be valued at $30 billion. Shares of Cerner surged 12.9%.</p><p><blockquote>周五交易中，甲骨文股价下跌6.4%，此前《华尔街日报》报道称，这家企业软件制造商正在就收购电子医疗记录公司Cerner进行谈判，交易价值可能达到300亿美元。Cerner股价飙升12.9%。</blockquote></p><p> FedEx Corp rose almost 5% after the delivery firm reinstated its original fiscal 2022 forecast on Thursday, even as persistent labor woes chipped away profits.</p><p><blockquote>尽管持续的劳工困境削弱了利润，但联邦快递公司周四恢复了最初的2022财年预测，该公司股价上涨近5%。</blockquote></p><p> Declining issues outnumbered advancing ones on the NYSE by a 1.50-to-1 ratio; on Nasdaq, a 1.16-to-1 ratio favored advancers.</p><p><blockquote>纽约证券交易所下跌股与上涨股的比例为1.50比1；在纳斯达克，1.16比1的比率有利于上涨者。</blockquote></p><p> The S&amp;P 500 posted 22 new 52-week highs and seven new lows; the Nasdaq Composite recorded 28 new highs and 341 new lows.</p><p><blockquote>标普500创下22个52周新高和7个新低；纳斯达克综合指数录得28个新高和341个新低。</blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Wall Street ends down after mostly negative week<blockquote>华尔街在经历了大部分负面的一周后收盘下跌</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; 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}\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWall Street ends down after mostly negative week<blockquote>华尔街在经历了大部分负面的一周后收盘下跌</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">Reuters</strong><span class=\"h-time small\">2021-12-18 07:59</span>\n</p>\n</h4>\n</header>\n<article>\n<p>(Reuters) - Wall Street finished lower on Friday, weighed down by Big Tech as investors worried about the Omicron coronavirus variant and digested the Federal Reserve's decision to end its pandemic-era stimulus faster.</p><p><blockquote>（路透社）-华尔街周五收低，受大型科技股拖累，投资者担心奥密克戎冠状病毒变种，并更快消化美联储结束大流行时期刺激措施的决定。</blockquote></p><p> All three main U.S. stock indexes ended with a decline for the week after the Fed on Wednesday signaled three quarter-percentage-point interest rate hikes by the end of 2022 to combat surging inflation.</p><p><blockquote>在美联储周三暗示在2022年底前加息三次0.25个百分点以应对飙升的通胀后，美国三大主要股指本周均收跌。</blockquote></p><p> Nvidia dropped 2.1% and Alphabet lost 1.9%, both weighing on the S&amp;P 500 and Nasdaq.</p><p><blockquote>英伟达下跌2.1%，Alphabet下跌1.9%，均令标普500和纳斯达克承压。</blockquote></p><p> The S&amp;P 500 growth index lost 0.7% and the value index declined 1.4%.</p><p><blockquote>标普500增长指数下跌0.7%，价值指数下跌1.4%。</blockquote></p><p> All of the 11 major S&amp;P 500 sector indexes fell, with financials leading the way down with a 2.3% drop. Energy lost 2.2%.</p><p><blockquote>标普500 11大板块指数悉数下跌，金融股跌幅2.3%领跌。能源下跌2.2%。</blockquote></p><p> Adding to uncertainty, Pfizer said on Friday the pandemic could extend through next year. European countries geared up for further travel and social restrictions and a study warned that the rapidly spreading Omicron coronavirus variant was five times more likely to reinfect people than its predecessor, Delta.</p><p><blockquote>辉瑞周五表示，疫情可能会延续到明年，这增加了不确定性。欧洲国家为进一步的旅行和社会限制做好了准备，一项研究警告说，迅速传播的奥密克戎冠状病毒变种重新感染人类的可能性是其前身达美航空的五倍。</blockquote></p><p> Traders also pointed to year-end tax selling and the simultaneous expiration of stock options, stock index futures and index options contracts - known as triple witching - as potential causes for volatility.</p><p><blockquote>交易员还指出，年终税收抛售以及股票期权、股指期货和指数期权合约同时到期——被称为三重巫术——是波动的潜在原因。</blockquote></p><p> \"It's a big options expiration day,\" said Joe Saluzzi, co-manager of trading at Themis Trading in Chatham, New Jersey. \"And now you draw on top of that some Omicron, and you've got volatility, and I think it creates a lot of uncertainty amongst investors. Where are you going to position for the end of the year?\"</p><p><blockquote>新泽西州查塔姆Themis Trading交易联席经理Joe Saluzzi表示：“这是一个重要的期权到期日。”“现在你在此基础上利用一些奥密克戎，就会出现波动，我认为这给投资者带来了很多不确定性。今年年底你打算在哪里定位？”</blockquote></p><p> Heavyweight growth stocks including Nvidia and Microsoft have outperformed the broader market in 2021, while the Philadelphia SE Semiconductor index has surged about 35%. The benchmark S&amp;P 500 index gained around 23% in the same period.</p><p><blockquote>包括英伟达和微软在内的权重成长股在2021年的表现优于大盘，而费城SE半导体指数则飙升了约35%。基准标普500指数同期上涨约23%。</blockquote></p><p> In Friday's session, the Dow Jones Industrial Average fell 1.48% to end at 35,365.44 points, while the S&amp;P 500 lost 1.03% to 4,620.64.</p><p><blockquote>周五交易中，道琼斯工业平均指数下跌1.48%，收于35,365.44点，标普500下跌1.03%，收于4,620.64点。</blockquote></p><p> The Nasdaq Composite dropped 0.07% to 15,169.68.</p><p><blockquote>纳斯达克综合指数下跌0.07%，至15,169.68点。</blockquote></p><p> On a positive note, the small-cap Russell 2000 index rallied 1% after having fallen more than 10% from a record high in early November.</p><p><blockquote>积极的一面是，小盘股罗素2000指数在从11月初的历史高点下跌超过10%后，上涨了1%。</blockquote></p><p> With options expiring, volume on U.S. exchanges jumped to 16.6 billion shares, far above the 11.9 billion average over the last 20 trading days.</p><p><blockquote>随着期权到期，美国交易所的成交量跃升至166亿股，远高于过去20个交易日119亿股的平均水平。</blockquote></p><p> For the week, the S&amp;P 500 fell 1.9%, the Dow lost 1.7% and the Nasdaq declined 2.9%.</p><p><blockquote>本周，标普500下跌1.9%，道琼斯指数下跌1.7%，纳斯达克下跌2.9%。</blockquote></p><p> In Friday's session, Oracle tumbled 6.4% after the Wall Street Journal reported the enterprise software maker is in talks to buy electronic medical records company Cerner in a deal that could be valued at $30 billion. Shares of Cerner surged 12.9%.</p><p><blockquote>周五交易中，甲骨文股价下跌6.4%，此前《华尔街日报》报道称，这家企业软件制造商正在就收购电子医疗记录公司Cerner进行谈判，交易价值可能达到300亿美元。Cerner股价飙升12.9%。</blockquote></p><p> FedEx Corp rose almost 5% after the delivery firm reinstated its original fiscal 2022 forecast on Thursday, even as persistent labor woes chipped away profits.</p><p><blockquote>尽管持续的劳工困境削弱了利润，但联邦快递公司周四恢复了最初的2022财年预测，该公司股价上涨近5%。</blockquote></p><p> Declining issues outnumbered advancing ones on the NYSE by a 1.50-to-1 ratio; on Nasdaq, a 1.16-to-1 ratio favored advancers.</p><p><blockquote>纽约证券交易所下跌股与上涨股的比例为1.50比1；在纳斯达克，1.16比1的比率有利于上涨者。</blockquote></p><p> The S&amp;P 500 posted 22 new 52-week highs and seven new lows; the Nasdaq Composite recorded 28 new highs and 341 new lows.</p><p><blockquote>标普500创下22个52周新高和7个新低；纳斯达克综合指数录得28个新高和341个新低。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://finance.yahoo.com/news/us-stocks-wall-street-ends-212015460.html\">Reuters</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".IXIC":"NASDAQ Composite",".SPX":"S&P 500 Index",".DJI":"道琼斯"},"source_url":"https://finance.yahoo.com/news/us-stocks-wall-street-ends-212015460.html","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1116106959","content_text":"(Reuters) - Wall Street finished lower on Friday, weighed down by Big Tech as investors worried about the Omicron coronavirus variant and digested the Federal Reserve's decision to end its pandemic-era stimulus faster.\nAll three main U.S. stock indexes ended with a decline for the week after the Fed on Wednesday signaled three quarter-percentage-point interest rate hikes by the end of 2022 to combat surging inflation.\nNvidia dropped 2.1% and Alphabet lost 1.9%, both weighing on the S&P 500 and Nasdaq.\nThe S&P 500 growth index lost 0.7% and the value index declined 1.4%.\nAll of the 11 major S&P 500 sector indexes fell, with financials leading the way down with a 2.3% drop. Energy lost 2.2%.\nAdding to uncertainty, Pfizer said on Friday the pandemic could extend through next year. European countries geared up for further travel and social restrictions and a study warned that the rapidly spreading Omicron coronavirus variant was five times more likely to reinfect people than its predecessor, Delta.\nTraders also pointed to year-end tax selling and the simultaneous expiration of stock options, stock index futures and index options contracts - known as triple witching - as potential causes for volatility.\n\"It's a big options expiration day,\" said Joe Saluzzi, co-manager of trading at Themis Trading in Chatham, New Jersey. \"And now you draw on top of that some Omicron, and you've got volatility, and I think it creates a lot of uncertainty amongst investors. Where are you going to position for the end of the year?\"\nHeavyweight growth stocks including Nvidia and Microsoft have outperformed the broader market in 2021, while the Philadelphia SE Semiconductor index has surged about 35%. The benchmark S&P 500 index gained around 23% in the same period.\nIn Friday's session, the Dow Jones Industrial Average fell 1.48% to end at 35,365.44 points, while the S&P 500 lost 1.03% to 4,620.64.\nThe Nasdaq Composite dropped 0.07% to 15,169.68.\nOn a positive note, the small-cap Russell 2000 index rallied 1% after having fallen more than 10% from a record high in early November.\nWith options expiring, volume on U.S. exchanges jumped to 16.6 billion shares, far above the 11.9 billion average over the last 20 trading days.\nFor the week, the S&P 500 fell 1.9%, the Dow lost 1.7% and the Nasdaq declined 2.9%.\nIn Friday's session, Oracle tumbled 6.4% after the Wall Street Journal reported the enterprise software maker is in talks to buy electronic medical records company Cerner in a deal that could be valued at $30 billion. Shares of Cerner surged 12.9%.\nFedEx Corp rose almost 5% after the delivery firm reinstated its original fiscal 2022 forecast on Thursday, even as persistent labor woes chipped away profits.\nDeclining issues outnumbered advancing ones on the NYSE by a 1.50-to-1 ratio; on Nasdaq, a 1.16-to-1 ratio favored advancers.\nThe S&P 500 posted 22 new 52-week highs and seven new lows; the Nasdaq Composite recorded 28 new highs and 341 new lows.","news_type":1,"symbols_score_info":{".IXIC":0.9,".SPX":0.9,".DJI":0.9}},"isVote":1,"tweetType":1,"viewCount":805,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":699854875,"gmtCreate":1639785131161,"gmtModify":1639785131494,"author":{"id":"3581754084854007","authorId":"3581754084854007","name":"7dab6d0","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3581754084854007","authorIdStr":"3581754084854007"},"themes":[],"htmlText":"Like pls","listText":"Like pls","text":"Like pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":7,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/699854875","repostId":"2192597562","repostType":4,"isVote":1,"tweetType":1,"viewCount":617,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":690549658,"gmtCreate":1639696983608,"gmtModify":1639696991998,"author":{"id":"3581754084854007","authorId":"3581754084854007","name":"7dab6d0","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3581754084854007","authorIdStr":"3581754084854007"},"themes":[],"htmlText":"Like pls","listText":"Like pls","text":"Like pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/690549658","repostId":"2192920942","repostType":4,"isVote":1,"tweetType":1,"viewCount":438,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":607775846,"gmtCreate":1639610601870,"gmtModify":1639610602058,"author":{"id":"3581754084854007","authorId":"3581754084854007","name":"7dab6d0","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3581754084854007","authorIdStr":"3581754084854007"},"themes":[],"htmlText":"Like pls","listText":"Like pls","text":"Like pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":3,"repostSize":0,"link":"https://laohu8.com/post/607775846","repostId":"2191994940","repostType":4,"isVote":1,"tweetType":1,"viewCount":540,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":607813373,"gmtCreate":1639524130584,"gmtModify":1639524379007,"author":{"id":"3581754084854007","authorId":"3581754084854007","name":"7dab6d0","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3581754084854007","authorIdStr":"3581754084854007"},"themes":[],"htmlText":"Like pls","listText":"Like pls","text":"Like pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/607813373","repostId":"2191784951","repostType":4,"isVote":1,"tweetType":1,"viewCount":724,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":604438493,"gmtCreate":1639437640222,"gmtModify":1639437640343,"author":{"id":"3581754084854007","authorId":"3581754084854007","name":"7dab6d0","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3581754084854007","authorIdStr":"3581754084854007"},"themes":[],"htmlText":"Like pls","listText":"Like pls","text":"Like pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/604438493","repostId":"2191984334","repostType":4,"isVote":1,"tweetType":1,"viewCount":924,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":604361004,"gmtCreate":1639351431703,"gmtModify":1639351431823,"author":{"id":"3581754084854007","authorId":"3581754084854007","name":"7dab6d0","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3581754084854007","authorIdStr":"3581754084854007"},"themes":[],"htmlText":"Like pls","listText":"Like pls","text":"Like pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/604361004","repostId":"1171271872","repostType":4,"repost":{"id":"1171271872","kind":"news","pubTimestamp":1639348466,"share":"https://www.laohu8.com/m/news/1171271872?lang=zh_CN&edition=full","pubTime":"2021-12-13 06:34","market":"us","language":"en","title":"Rivian,Adobe,FedEx,Lennar,Campbell Soup,and Other Stocks to Watch This Week<blockquote>Rivian、Adobe、联邦快递、Lennar、金宝汤等本周值得关注的股票</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1171271872","media":"Barrons","summary":"The main event for investors this week will be the Federal Reserve’s rate-setting committee’s last meeting of 2021. Recent commentary from officials has leaned more hawkish, setting up a potential announcement of plans to accelerate monthly asset purchase tapering.The Federal Open Market Committee’s two-day meeting takes place on Tuesday and Wednesday.Earnings reports this week are few, but will include Campbell Soup on Tuesday;Lennar,Accenture,FedEx,Rivian Automotive, and Adobe on Thursday; and","content":"<p>The main event for investors this week will be the Federal Reserve’s rate-setting committee’s&nbsp;last meeting of 2021. Recent commentary from officials has leaned more hawkish, setting up a potential announcement of plans to accelerate monthly asset purchase tapering.</p><p><blockquote>本周投资者的主要事件将是美联储利率制定委员会2021年的最后一次会议。官员们最近的评论更加鹰派，可能会宣布加速每月资产购买缩减的计划。</blockquote></p><p> The Federal Open Market Committee’s two-day meeting takes place on Tuesday and Wednesday.</p><p><blockquote>联邦公开市场委员会为期两天的会议将于周二和周三举行。</blockquote></p><p> Earnings reports this week are few, but will include&nbsp;Campbell Soup&nbsp;on Tuesday;Lennar,Accenture,FedEx,Rivian&nbsp;Automotive, and&nbsp;Adobe&nbsp;on Thursday; and&nbsp;Darden Restaurants&nbsp;on Friday.</p><p><blockquote>本周的财报很少，但周二将包括金宝汤；Lennar、Accenture、FedEx、Rivian汽车和Adobe周四；周五还有达顿餐厅。</blockquote></p><p> Economic data coming out this week includes the Bureau of Labor Statistics’ producer price index for November on Tuesday. Economists expect a 0.55% month-over-month rise for the headline index and a 0.4% gain for the core PPI. Those would both roughly match October’s pace of producer inflation.</p><p><blockquote>本周公布的经济数据包括美国劳工统计局周二公布的11月份生产者价格指数。经济学家预计整体指数环比上涨0.55%，核心PPI上涨0.4%。这两者都与10月份的生产者通胀速度大致相当。</blockquote></p><p> Other data releases include the National Federation of Independent Businesses’ sentiment&nbsp;index on Tuesday, November retail-sales spending from the Census Bureau on Wednesday, and the November housing starts on Thursday.</p><p><blockquote>其他发布的数据包括周二全国独立企业联合会的信心指数、周三人口普查局公布的11月零售支出以及周四公布的11月新屋开工率。</blockquote></p><p> <b>Monday 12/13</b></p><p><blockquote><b>星期一12/13</b></blockquote></p><p> J.Jill&nbsp;and&nbsp;PHX Minerals&nbsp;host earnings conference calls.</p><p><blockquote>J.Jill和PHX Minerals在评级举办收益会议。</blockquote></p><p> <b>Tuesday 12/14</b></p><p><blockquote><b>星期二12/14</b></blockquote></p><p> Campbell Soup, Barnes Group, and&nbsp;Avaya Holdings&nbsp;host investor days.</p><p><blockquote>金宝汤、巴恩斯集团和Avaya Holdings举办投资者日。</blockquote></p><p> <b>The Bureau of Labor</b>&nbsp;Statistics releases the producer price index for November. Consensus estimate is for a 0.55% month-over-month rise, and for the core PPI, which excludes food and energy, to gain 0.4%. This compares with increases of 0.6% and 0.4%, respectively, in October.</p><p><blockquote><b>劳工局</b>统计局发布11月份生产者价格指数。市场普遍预计环比上涨0.55%，不包括食品和能源的核心PPI将上涨0.4%。相比之下，10月份的增幅分别为0.6%和0.4%。</blockquote></p><p> <b>The National Federation</b>&nbsp;of Independent Businesses reports its index, which surveys about 5,000 small-business owners across the country, for November. Expectations call for a reading of 98.3, compared with 98.2 in October.</p><p><blockquote><b>全国联合会</b>独立企业报告了11月份的指数，该指数调查了全国约5,000名小企业主。预期看涨期权为98.3，而10月份为98.2。</blockquote></p><p> <b>Wednesday 12/15</b></p><p><blockquote><b>星期三12/15</b></blockquote></p><p> <b>The Federal Open Market Committee</b> concludes its two-day meeting, when policy makers will discuss accelerating the timetable for tapering monthly securities purchases.</p><p><blockquote><b>联邦公开市场委员会</b>结束了为期两天的会议，届时政策制定者将讨论加快缩减月度证券购买的时间表。</blockquote></p><p> <b>The BLS reports</b> export and import price data for November. Expectations are for a 0.5% month-over-month rise in export prices, while import prices are seen increasing 0.5%. This compares with gains of 1.5% and 1.2%, respectively, in October.</p><p><blockquote><b>劳工统计局报告</b>11月进出口价格数据。预计出口价格环比上涨0.5%，而进口价格预计上涨0.5%。相比之下，10月份的涨幅分别为1.5%和1.2%。</blockquote></p><p> <b>The National Association</b> of Home Builders releases its NAHB/Wells Fargo Housing Market Index for December. Consensus estimate is for an 84 reading, compared with an 83 reading in November. The index peaked at 90 late last year, and home builders remain bullish on the housing market.</p><p><blockquote><b>全国协会</b>房屋建筑商协会发布了12月份NAHB/富国银行住房市场指数。普遍估计读数为84，而11月份的读数为83。该指数去年年底达到90的峰值，房屋建筑商仍然看好房地产市场。</blockquote></p><p> <b>The Census Bureau</b> reports on retail-sales spending for November. Expectations are for a seasonally adjusted 0.7% month-over-month increase in retail sales, compared with a 1.7% rise in October. Excluding autos, spending is seen rising 0.8%, compared with 1.7% in the previous period.</p><p><blockquote><b>人口普查局</b>11月份零售支出报告。预计经季节调整后零售额环比增长0.7%，而10月份为增长1.7%。不包括汽车在内，支出预计将增长0.8%，而上一时期为1.7%。</blockquote></p><p> <b>Thursday 12/16</b></p><p><blockquote><b>星期四12/16</b></blockquote></p><p> Heico,Lennar, Accenture, FedEx, Jabil, Adobe, Rivian Automotive, and Nordson are among companies hosting earnings conference calls.</p><p><blockquote>Heico、Lennar、Accenture、FedEx、Jabil、Adobe、Rivian汽车和Nordson等公司在评级举办财报会议。</blockquote></p><p> <b>The Census Bureau</b>releases its New Residential Construction report for November. The seasonally adjusted annual rate of housing starts is expected to be 1.563 million units, compared with 1.52 million in October. A housing start is counted when excavation begins on a home. Permits issued for new-home construction are expected to be 1.655 million, compared with 1.653 million in October.</p><p><blockquote><b>人口普查局</b>发布11月份新的住宅建设报告。季调后成屋开工年率料为156.3万套，10月为152万套。当房屋开始挖掘时，房屋开工被计算在内。新房建设许可证预计为165.5万份，而10月份为165.3万份。</blockquote></p><p> <b>The Bank of England</b> announces its interest-rate decision and publishes the minutes of the meeting.</p><p><blockquote><b>英格兰银行</b>宣布利率决定并公布会议记录。</blockquote></p><p> <b>The Federal Reserve</b> releases industrial production data for November. Economists are looking for a 0.6% rise, after a 1.6% increase in October. Capacity utilization is expected at 76.8, roughly in line with October’s 76.4%.</p><p><blockquote><b>美联储</b>公布11月份工业生产数据。继10月份增长1.6%后，经济学家预计增长0.6%。产能利用率预计为76.8，与10月份的76.4%大致一致。</blockquote></p><p> <b>Friday 12/17</b></p><p><blockquote><b>星期五12/17</b></blockquote></p><p> Steelcase,Darden Restaurants, and&nbsp;Quanex Building Products&nbsp;host earnings conference calls.</p><p><blockquote>Steelcase、Darden Restaurants和Quanex Building Products在评级举办收益会议。</blockquote></p><p></p>","source":"lsy1601382232898","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Rivian,Adobe,FedEx,Lennar,Campbell Soup,and Other Stocks to Watch This Week<blockquote>Rivian、Adobe、联邦快递、Lennar、金宝汤等本周值得关注的股票</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nRivian,Adobe,FedEx,Lennar,Campbell Soup,and Other Stocks to Watch This Week<blockquote>Rivian、Adobe、联邦快递、Lennar、金宝汤等本周值得关注的股票</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">Barrons</strong><span class=\"h-time small\">2021-12-13 06:34</span>\n</p>\n</h4>\n</header>\n<article>\n<p>The main event for investors this week will be the Federal Reserve’s rate-setting committee’s&nbsp;last meeting of 2021. Recent commentary from officials has leaned more hawkish, setting up a potential announcement of plans to accelerate monthly asset purchase tapering.</p><p><blockquote>本周投资者的主要事件将是美联储利率制定委员会2021年的最后一次会议。官员们最近的评论更加鹰派，可能会宣布加速每月资产购买缩减的计划。</blockquote></p><p> The Federal Open Market Committee’s two-day meeting takes place on Tuesday and Wednesday.</p><p><blockquote>联邦公开市场委员会为期两天的会议将于周二和周三举行。</blockquote></p><p> Earnings reports this week are few, but will include&nbsp;Campbell Soup&nbsp;on Tuesday;Lennar,Accenture,FedEx,Rivian&nbsp;Automotive, and&nbsp;Adobe&nbsp;on Thursday; and&nbsp;Darden Restaurants&nbsp;on Friday.</p><p><blockquote>本周的财报很少，但周二将包括金宝汤；Lennar、Accenture、FedEx、Rivian汽车和Adobe周四；周五还有达顿餐厅。</blockquote></p><p> Economic data coming out this week includes the Bureau of Labor Statistics’ producer price index for November on Tuesday. Economists expect a 0.55% month-over-month rise for the headline index and a 0.4% gain for the core PPI. Those would both roughly match October’s pace of producer inflation.</p><p><blockquote>本周公布的经济数据包括美国劳工统计局周二公布的11月份生产者价格指数。经济学家预计整体指数环比上涨0.55%，核心PPI上涨0.4%。这两者都与10月份的生产者通胀速度大致相当。</blockquote></p><p> Other data releases include the National Federation of Independent Businesses’ sentiment&nbsp;index on Tuesday, November retail-sales spending from the Census Bureau on Wednesday, and the November housing starts on Thursday.</p><p><blockquote>其他发布的数据包括周二全国独立企业联合会的信心指数、周三人口普查局公布的11月零售支出以及周四公布的11月新屋开工率。</blockquote></p><p> <b>Monday 12/13</b></p><p><blockquote><b>星期一12/13</b></blockquote></p><p> J.Jill&nbsp;and&nbsp;PHX Minerals&nbsp;host earnings conference calls.</p><p><blockquote>J.Jill和PHX Minerals在评级举办收益会议。</blockquote></p><p> <b>Tuesday 12/14</b></p><p><blockquote><b>星期二12/14</b></blockquote></p><p> Campbell Soup, Barnes Group, and&nbsp;Avaya Holdings&nbsp;host investor days.</p><p><blockquote>金宝汤、巴恩斯集团和Avaya Holdings举办投资者日。</blockquote></p><p> <b>The Bureau of Labor</b>&nbsp;Statistics releases the producer price index for November. Consensus estimate is for a 0.55% month-over-month rise, and for the core PPI, which excludes food and energy, to gain 0.4%. This compares with increases of 0.6% and 0.4%, respectively, in October.</p><p><blockquote><b>劳工局</b>统计局发布11月份生产者价格指数。市场普遍预计环比上涨0.55%，不包括食品和能源的核心PPI将上涨0.4%。相比之下，10月份的增幅分别为0.6%和0.4%。</blockquote></p><p> <b>The National Federation</b>&nbsp;of Independent Businesses reports its index, which surveys about 5,000 small-business owners across the country, for November. Expectations call for a reading of 98.3, compared with 98.2 in October.</p><p><blockquote><b>全国联合会</b>独立企业报告了11月份的指数，该指数调查了全国约5,000名小企业主。预期看涨期权为98.3，而10月份为98.2。</blockquote></p><p> <b>Wednesday 12/15</b></p><p><blockquote><b>星期三12/15</b></blockquote></p><p> <b>The Federal Open Market Committee</b> concludes its two-day meeting, when policy makers will discuss accelerating the timetable for tapering monthly securities purchases.</p><p><blockquote><b>联邦公开市场委员会</b>结束了为期两天的会议，届时政策制定者将讨论加快缩减月度证券购买的时间表。</blockquote></p><p> <b>The BLS reports</b> export and import price data for November. Expectations are for a 0.5% month-over-month rise in export prices, while import prices are seen increasing 0.5%. This compares with gains of 1.5% and 1.2%, respectively, in October.</p><p><blockquote><b>劳工统计局报告</b>11月进出口价格数据。预计出口价格环比上涨0.5%，而进口价格预计上涨0.5%。相比之下，10月份的涨幅分别为1.5%和1.2%。</blockquote></p><p> <b>The National Association</b> of Home Builders releases its NAHB/Wells Fargo Housing Market Index for December. Consensus estimate is for an 84 reading, compared with an 83 reading in November. The index peaked at 90 late last year, and home builders remain bullish on the housing market.</p><p><blockquote><b>全国协会</b>房屋建筑商协会发布了12月份NAHB/富国银行住房市场指数。普遍估计读数为84，而11月份的读数为83。该指数去年年底达到90的峰值，房屋建筑商仍然看好房地产市场。</blockquote></p><p> <b>The Census Bureau</b> reports on retail-sales spending for November. Expectations are for a seasonally adjusted 0.7% month-over-month increase in retail sales, compared with a 1.7% rise in October. Excluding autos, spending is seen rising 0.8%, compared with 1.7% in the previous period.</p><p><blockquote><b>人口普查局</b>11月份零售支出报告。预计经季节调整后零售额环比增长0.7%，而10月份为增长1.7%。不包括汽车在内，支出预计将增长0.8%，而上一时期为1.7%。</blockquote></p><p> <b>Thursday 12/16</b></p><p><blockquote><b>星期四12/16</b></blockquote></p><p> Heico,Lennar, Accenture, FedEx, Jabil, Adobe, Rivian Automotive, and Nordson are among companies hosting earnings conference calls.</p><p><blockquote>Heico、Lennar、Accenture、FedEx、Jabil、Adobe、Rivian汽车和Nordson等公司在评级举办财报会议。</blockquote></p><p> <b>The Census Bureau</b>releases its New Residential Construction report for November. The seasonally adjusted annual rate of housing starts is expected to be 1.563 million units, compared with 1.52 million in October. A housing start is counted when excavation begins on a home. Permits issued for new-home construction are expected to be 1.655 million, compared with 1.653 million in October.</p><p><blockquote><b>人口普查局</b>发布11月份新的住宅建设报告。季调后成屋开工年率料为156.3万套，10月为152万套。当房屋开始挖掘时，房屋开工被计算在内。新房建设许可证预计为165.5万份，而10月份为165.3万份。</blockquote></p><p> <b>The Bank of England</b> announces its interest-rate decision and publishes the minutes of the meeting.</p><p><blockquote><b>英格兰银行</b>宣布利率决定并公布会议记录。</blockquote></p><p> <b>The Federal Reserve</b> releases industrial production data for November. Economists are looking for a 0.6% rise, after a 1.6% increase in October. Capacity utilization is expected at 76.8, roughly in line with October’s 76.4%.</p><p><blockquote><b>美联储</b>公布11月份工业生产数据。继10月份增长1.6%后，经济学家预计增长0.6%。产能利用率预计为76.8，与10月份的76.4%大致一致。</blockquote></p><p> <b>Friday 12/17</b></p><p><blockquote><b>星期五12/17</b></blockquote></p><p> Steelcase,Darden Restaurants, and&nbsp;Quanex Building Products&nbsp;host earnings conference calls.</p><p><blockquote>Steelcase、Darden Restaurants和Quanex Building Products在评级举办收益会议。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.barrons.com/articles/stocks-to-watch-this-week-fedex-rivian-lennar-campbell-adobe-51639330550?mod=hp_LEAD_3\">Barrons</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"HEI":"海科航空","JILL":"J.Jill Inc.","CPB":"金宝汤","LEN":"莱纳建筑公司","ADBE":"Adobe","PHX":"潘汉德尔油气",".IXIC":"NASDAQ Composite","RIVN":"Rivian Automotive, Inc.","DRI":"达登饭店","ACN":"埃森哲",".SPX":"S&P 500 Index","FDX":"联邦快递","SCS":"Steelcase Inc.",".DJI":"道琼斯"},"source_url":"https://www.barrons.com/articles/stocks-to-watch-this-week-fedex-rivian-lennar-campbell-adobe-51639330550?mod=hp_LEAD_3","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1171271872","content_text":"The main event for investors this week will be the Federal Reserve’s rate-setting committee’s last meeting of 2021. Recent commentary from officials has leaned more hawkish, setting up a potential announcement of plans to accelerate monthly asset purchase tapering.\nThe Federal Open Market Committee’s two-day meeting takes place on Tuesday and Wednesday.\nEarnings reports this week are few, but will include Campbell Soup on Tuesday;Lennar,Accenture,FedEx,Rivian Automotive, and Adobe on Thursday; and Darden Restaurants on Friday.\nEconomic data coming out this week includes the Bureau of Labor Statistics’ producer price index for November on Tuesday. Economists expect a 0.55% month-over-month rise for the headline index and a 0.4% gain for the core PPI. Those would both roughly match October’s pace of producer inflation.\nOther data releases include the National Federation of Independent Businesses’ sentiment index on Tuesday, November retail-sales spending from the Census Bureau on Wednesday, and the November housing starts on Thursday.\nMonday 12/13\nJ.Jill and PHX Minerals host earnings conference calls.\nTuesday 12/14\nCampbell Soup, Barnes Group, and Avaya Holdings host investor days.\nThe Bureau of Labor Statistics releases the producer price index for November. Consensus estimate is for a 0.55% month-over-month rise, and for the core PPI, which excludes food and energy, to gain 0.4%. This compares with increases of 0.6% and 0.4%, respectively, in October.\nThe National Federation of Independent Businesses reports its index, which surveys about 5,000 small-business owners across the country, for November. Expectations call for a reading of 98.3, compared with 98.2 in October.\nWednesday 12/15\nThe Federal Open Market Committee concludes its two-day meeting, when policy makers will discuss accelerating the timetable for tapering monthly securities purchases.\nThe BLS reports export and import price data for November. Expectations are for a 0.5% month-over-month rise in export prices, while import prices are seen increasing 0.5%. This compares with gains of 1.5% and 1.2%, respectively, in October.\nThe National Association of Home Builders releases its NAHB/Wells Fargo Housing Market Index for December. Consensus estimate is for an 84 reading, compared with an 83 reading in November. The index peaked at 90 late last year, and home builders remain bullish on the housing market.\nThe Census Bureau reports on retail-sales spending for November. Expectations are for a seasonally adjusted 0.7% month-over-month increase in retail sales, compared with a 1.7% rise in October. Excluding autos, spending is seen rising 0.8%, compared with 1.7% in the previous period.\nThursday 12/16\nHeico,Lennar, Accenture, FedEx, Jabil, Adobe, Rivian Automotive, and Nordson are among companies hosting earnings conference calls.\nThe Census Bureaureleases its New Residential Construction report for November. The seasonally adjusted annual rate of housing starts is expected to be 1.563 million units, compared with 1.52 million in October. A housing start is counted when excavation begins on a home. Permits issued for new-home construction are expected to be 1.655 million, compared with 1.653 million in October.\nThe Bank of England announces its interest-rate decision and publishes the minutes of the meeting.\nThe Federal Reserve releases industrial production data for November. Economists are looking for a 0.6% rise, after a 1.6% increase in October. Capacity utilization is expected at 76.8, roughly in line with October’s 76.4%.\nFriday 12/17\nSteelcase,Darden Restaurants, and Quanex Building Products host earnings conference calls.","news_type":1,"symbols_score_info":{"FDX":0.9,".DJI":0.9,"HEI":0.9,".IXIC":0.9,"PHX":0.9,"DRI":0.9,"LEN":0.9,"ACN":0.9,"RIVN":0.9,"SCS":0.9,".SPX":0.9,"JILL":0.9,"AVYA":0.9,"ADBE":0.9,"CPB":0.9}},"isVote":1,"tweetType":1,"viewCount":671,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":605782357,"gmtCreate":1639264697672,"gmtModify":1639264697784,"author":{"id":"3581754084854007","authorId":"3581754084854007","name":"7dab6d0","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3581754084854007","authorIdStr":"3581754084854007"},"themes":[],"htmlText":"Like pls","listText":"Like pls","text":"Like pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/605782357","repostId":"2190675480","repostType":4,"isVote":1,"tweetType":1,"viewCount":792,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":605283438,"gmtCreate":1639181144827,"gmtModify":1639181144938,"author":{"id":"3581754084854007","authorId":"3581754084854007","name":"7dab6d0","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3581754084854007","authorIdStr":"3581754084854007"},"themes":[],"htmlText":"Like pls","listText":"Like pls","text":"Like pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":4,"repostSize":0,"link":"https://laohu8.com/post/605283438","repostId":"1133027099","repostType":4,"repost":{"id":"1133027099","kind":"news","weMediaInfo":{"introduction":"Providing stock market headlines, business news, financials and earnings ","home_visible":1,"media_name":"Tiger Newspress","id":"1079075236","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1639152670,"share":"https://www.laohu8.com/m/news/1133027099?lang=zh_CN&edition=full","pubTime":"2021-12-11 00:11","market":"us","language":"en","title":"Sea Ltd stock dropped more than 5% in morning trading<blockquote>Sea Ltd股价早盘下跌超过5%</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1133027099","media":"Tiger Newspress","summary":"Sea Ltd stock dropped more than 5% in morning trading.","content":"<p>Sea Ltd stock dropped more than 5% in morning trading.</p><p><blockquote>Sea Ltd股价早盘下跌超过5%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/f6295277426435ac2c7135ba73dfbdef\" tg-width=\"840\" tg-height=\"470\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Sea Ltd stock dropped more than 5% in morning trading<blockquote>Sea Ltd股价早盘下跌超过5%</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; 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#7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nSea Ltd stock dropped more than 5% in morning trading<blockquote>Sea Ltd股价早盘下跌超过5%</blockquote>\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Tiger Newspress </p>\n<p class=\"h-time smaller\">2021-12-11 00:11</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p>Sea Ltd stock dropped more than 5% in morning trading.</p><p><blockquote>Sea Ltd股价早盘下跌超过5%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/f6295277426435ac2c7135ba73dfbdef\" tg-width=\"840\" tg-height=\"470\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p></p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SE":"Sea Ltd"},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1133027099","content_text":"Sea Ltd stock dropped more than 5% in morning 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pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":8,"commentSize":3,"repostSize":0,"link":"https://laohu8.com/post/840661285","repostId":"2179223688","repostType":4,"isVote":1,"tweetType":1,"viewCount":334,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":859897856,"gmtCreate":1634685830606,"gmtModify":1634685830760,"author":{"id":"3581754084854007","authorId":"3581754084854007","name":"7dab6d0","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3581754084854007","authorIdStr":"3581754084854007"},"themes":[],"htmlText":"Like pls","listText":"Like pls","text":"Like pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":8,"commentSize":3,"repostSize":0,"link":"https://laohu8.com/post/859897856","repostId":"2176710436","repostType":4,"isVote":1,"tweetType":1,"viewCount":395,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":693077871,"gmtCreate":1639956228462,"gmtModify":1639956228579,"author":{"id":"3581754084854007","authorId":"3581754084854007","name":"7dab6d0","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3581754084854007","authorIdStr":"3581754084854007"},"themes":[],"htmlText":"Like pls","listText":"Like pls","text":"Like pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":4,"repostSize":0,"link":"https://laohu8.com/post/693077871","repostId":"1153903024","repostType":4,"repost":{"id":"1153903024","kind":"news","pubTimestamp":1639955984,"share":"https://www.laohu8.com/m/news/1153903024?lang=zh_CN&edition=full","pubTime":"2021-12-20 07:19","market":"us","language":"en","title":"Equifax to Add More ‘Buy Now, Pay Later’ Plans to Credit Reports<blockquote>Equifax将在信用报告中添加更多“先买后付”计划</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1153903024","media":"The Wall Street Journal","summary":"Short-term payment plans for small-ticket items are growing quickly, creating a blind spot for lende","content":"<p>Short-term payment plans for small-ticket items are growing quickly, creating a blind spot for lenders</p><p><blockquote>小额项目的短期付款计划增长迅速，给贷方带来了盲点</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/ece6d96b441ee27bfda58fca9763be17\" tg-width=\"1290\" tg-height=\"859\" width=\"100%\" height=\"auto\"><span>Early next year, Equifax will begin recording ‘pay-in-4’ installment plans on people’s credit reports.</span></p><p><blockquote><p class=\"t-img-caption\"><span>明年初，Equifax将开始在人们的信用报告中记录“4次付款”分期付款计划。</span></p></blockquote></p><p> A popular kind of “buy now, pay later” plan is coming to credit reports.</p><p><blockquote>一种流行的“先买后付”计划即将出现在信用报告中。</blockquote></p><p> Early next year,Equifax&nbsp;Inc.&nbsp;will begin recording installment plans that allow shoppers to make four biweekly payments instead of covering the full cost at checkout. The move is meant to give lenders a fuller picture of people’s financial commitments, including how much they owe on these plans.</p><p><blockquote>明年初，Equifax Inc.将开始记录分期付款计划，允许购物者每两周一次付款，而不是在结账时支付全部费用。此举旨在让贷方更全面地了解人们的财务承诺，包括他们在这些计划中欠了多少钱。</blockquote></p><p> These “pay-in-4” plans have exploded in popularity in recent years. They are often used for small-ticket items such as clothing and makeup and are typically billed directly to a shopper’s debit or credit card. A $200 shopping trip, for example, requires $50 upfront and three more $50 payments billed every two weeks.</p><p><blockquote>近年来，这些“四次付费”计划大受欢迎。它们通常用于服装和化妆品等小额商品，通常直接记入购物者的借记卡或信用卡。例如，一次200美元的购物旅行需要预付50美元，每两周再支付三次50美元的费用。</blockquote></p><p> Buy now, pay later is booming&nbsp;in the U.S. High-end and discount retailers alike&nbsp;offer the plans at checkout&nbsp;online. Some merchants also offer them in stores. But the plans often don’t show up on credit reports, creating a blind spot for lenders that use the information on the reports to gauge an applicant’s ability to repay.</p><p><blockquote>“先买后付”在美国正在蓬勃发展。高端零售商和折扣零售商都提供在线结账计划。一些商家也在商店里提供。但这些计划通常不会出现在信用报告上，这给使用报告上的信息来衡量申请人还款能力的贷方造成了盲点。</blockquote></p><p> “Responsible lending benefits from a complete picture of a person’s financial obligations,” said Equifax Chief Executive Mark Begor.</p><p><blockquote>Equifax首席执行官马克·贝戈尔(Mark Begor)表示：“负责任的贷款受益于对个人财务义务的完整了解。”</blockquote></p><p> Billions of dollars of obligations go unreported. Buy now, pay later company&nbsp;Afterpay&nbsp;Ltd., for example, did $9.8 billion in pay-in-4 plans in North America during the 12 months ended June 30, more than double a year earlier. Klarna Bank AB transactions during the first half of the year in the U.S. totaled $3.2 billion, up from $722 million during the same period in 2020. The majority are pay-in-4 plans.</p><p><blockquote>数十亿美元的债务没有被报告。例如，先买后付公司Afterpay Ltd.在截至6月30日的12个月内，在北美的四期付款计划中完成了98亿美元，是一年前的两倍多。Klarna Bank AB今年上半年在美国的交易总额为32亿美元，高于2020年同期的7.22亿美元。大多数是四次付费计划。</blockquote></p><p> The payment plans are small—the average Afterpay transaction is $150—but they can add up if shoppers use them frequently.</p><p><blockquote>付款计划规模很小——平均Afterpay交易为150美元——但如果购物者经常使用它们，它们可以累积起来。</blockquote></p><p> Credit-reporting firms have faced technical challenges adding short-term installment plans to credit reports. Most credit reports aren’t set up to display biweekly payments. And there is often a lag between when consumers open accounts and when lenders send that information for inclusion in people’s credit reports. The lag can outlast a fast repayment period.</p><p><blockquote>信用报告公司在信用报告中添加短期分期付款计划时面临着技术挑战。大多数信用报告并未设置为显示每两周付款一次。消费者开设账户和贷方发送该信息以纳入人们的信用报告之间通常存在滞后。这种滞后可能会超过快速还款期。</blockquote></p><p> Some buy now, pay later installment loans for big-ticket items are recorded on credit reports in the same section as personal loans. Far fewer of these smaller, short-term plans, which in most cases don’t require credit checks, are reflected in credit reports.</p><p><blockquote>一些先买后付的大件商品分期贷款与个人贷款记录在信用报告的同一部分。这些规模较小的短期计划（在大多数情况下不需要信用检查）很少反映在信用报告中。</blockquote></p><p> TransUnion&nbsp;said it doesn’t include these plans on its credit reports but is working with buy now, pay later companies to enable reporting next year. A small number of buy now, pay later companies submit information about these plans to&nbsp;Experian&nbsp;PLC, which then includes that data in credit reports. Experian is working with buy now, pay later firms to add more of this information to its reports.</p><p><blockquote>TransUnion表示，它没有将这些计划纳入其信用报告中，但正在与“先买后付”公司合作，以便明年进行报告。少数先买后付的公司向Experian plc提交有关这些计划的信息，然后Experian plc将这些数据包含在信用报告中。益百利正在与“先买后付”公司合作，在其报告中添加更多此类信息。</blockquote></p><p> Afterpay and Klarna, two of the biggest players in the business, don’t report their pay-in-4 plans to U.S. credit-reporting firms.Affirm Holdings&nbsp;Inc.&nbsp;said it reports the full payment history of some of its loans, including on-time payments and delinquencies. The company doesn’t report its pay-in-4 product. All three said they have been talking to the firms about potentially reporting these plans.</p><p><blockquote>该行业最大的两家公司Afterpay和Klarna不向美国信用报告公司报告其4期付款计划。Affirm Holdings Inc.表示，它报告了部分贷款的完整付款历史记录，包括按时付款和拖欠。该公司没有报告其pay-in-4产品。三人都表示，他们一直在与这些公司讨论报告这些计划的可能性。</blockquote></p><p> One stumbling block: The frequent opening and closing of accounts can drag down credit scores. The buy now, pay later companies want to make sure customers who pay their bills on time aren’t penalized for frequent use of their short-term payment plans.</p><p><blockquote>一个绊脚石：频繁开户和关闭账户会拖累信用评分。“先买后付”公司希望确保按时支付账单的客户不会因频繁使用短期付款计划而受到惩罚。</blockquote></p><p> Equifax will add the pay-in-4 data to credit reports beginning at the end of February. Both positive and negative information, on-time payments and defaults, will be included in reports and reflected in consumers’ credit scores, Equifax said.</p><p><blockquote>Equifax将从2月底开始将pay-in-4数据添加到信用报告中。Equifax表示，正面和负面信息（按时付款和违约）都将包含在报告中，并反映在消费者的信用评分中。</blockquote></p><p> Buy now, pay later plans are especially popular among people with limited credit histories who don’t qualify for credit cards or other traditional credit. These consumers, Equifax said, should get a boost from the plans’ inclusion on credit reports if they pay their bills on time.</p><p><blockquote>“先买后付”计划在信用记录有限、没有资格获得信用卡或其他传统信贷的人中特别受欢迎。Equifax表示，如果这些消费者按时支付账单，将这些计划纳入信用报告应该会得到提振。</blockquote></p><p> People who have thin credit files or who have no more than two years of credit history saw an average FICO credit-score increase of 21 points, according to an Equifax study, compared with an average of 13 points for the typical borrower.</p><p><blockquote>根据Equifax的一项研究，信用档案薄弱或信用记录不超过两年的人的FICO信用评分平均增加了21分，而典型借款人的平均增加了13分。</blockquote></p><p> The credit report will include when the payment plan was opened, the scheduled payment the consumer has agreed to make and the actual payment that is made.</p><p><blockquote>信用报告将包括付款计划打开的时间、消费者同意支付的预定付款以及实际支付的款项。</blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Equifax to Add More ‘Buy Now, Pay Later’ Plans to Credit Reports<blockquote>Equifax将在信用报告中添加更多“先买后付”计划</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; 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}\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nEquifax to Add More ‘Buy Now, Pay Later’ Plans to Credit Reports<blockquote>Equifax将在信用报告中添加更多“先买后付”计划</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">The Wall Street Journal</strong><span class=\"h-time small\">2021-12-20 07:19</span>\n</p>\n</h4>\n</header>\n<article>\n<p>Short-term payment plans for small-ticket items are growing quickly, creating a blind spot for lenders</p><p><blockquote>小额项目的短期付款计划增长迅速，给贷方带来了盲点</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/ece6d96b441ee27bfda58fca9763be17\" tg-width=\"1290\" tg-height=\"859\" width=\"100%\" height=\"auto\"><span>Early next year, Equifax will begin recording ‘pay-in-4’ installment plans on people’s credit reports.</span></p><p><blockquote><p class=\"t-img-caption\"><span>明年初，Equifax将开始在人们的信用报告中记录“4次付款”分期付款计划。</span></p></blockquote></p><p> A popular kind of “buy now, pay later” plan is coming to credit reports.</p><p><blockquote>一种流行的“先买后付”计划即将出现在信用报告中。</blockquote></p><p> Early next year,Equifax&nbsp;Inc.&nbsp;will begin recording installment plans that allow shoppers to make four biweekly payments instead of covering the full cost at checkout. The move is meant to give lenders a fuller picture of people’s financial commitments, including how much they owe on these plans.</p><p><blockquote>明年初，Equifax Inc.将开始记录分期付款计划，允许购物者每两周一次付款，而不是在结账时支付全部费用。此举旨在让贷方更全面地了解人们的财务承诺，包括他们在这些计划中欠了多少钱。</blockquote></p><p> These “pay-in-4” plans have exploded in popularity in recent years. They are often used for small-ticket items such as clothing and makeup and are typically billed directly to a shopper’s debit or credit card. A $200 shopping trip, for example, requires $50 upfront and three more $50 payments billed every two weeks.</p><p><blockquote>近年来，这些“四次付费”计划大受欢迎。它们通常用于服装和化妆品等小额商品，通常直接记入购物者的借记卡或信用卡。例如，一次200美元的购物旅行需要预付50美元，每两周再支付三次50美元的费用。</blockquote></p><p> Buy now, pay later is booming&nbsp;in the U.S. High-end and discount retailers alike&nbsp;offer the plans at checkout&nbsp;online. Some merchants also offer them in stores. But the plans often don’t show up on credit reports, creating a blind spot for lenders that use the information on the reports to gauge an applicant’s ability to repay.</p><p><blockquote>“先买后付”在美国正在蓬勃发展。高端零售商和折扣零售商都提供在线结账计划。一些商家也在商店里提供。但这些计划通常不会出现在信用报告上，这给使用报告上的信息来衡量申请人还款能力的贷方造成了盲点。</blockquote></p><p> “Responsible lending benefits from a complete picture of a person’s financial obligations,” said Equifax Chief Executive Mark Begor.</p><p><blockquote>Equifax首席执行官马克·贝戈尔(Mark Begor)表示：“负责任的贷款受益于对个人财务义务的完整了解。”</blockquote></p><p> Billions of dollars of obligations go unreported. Buy now, pay later company&nbsp;Afterpay&nbsp;Ltd., for example, did $9.8 billion in pay-in-4 plans in North America during the 12 months ended June 30, more than double a year earlier. Klarna Bank AB transactions during the first half of the year in the U.S. totaled $3.2 billion, up from $722 million during the same period in 2020. The majority are pay-in-4 plans.</p><p><blockquote>数十亿美元的债务没有被报告。例如，先买后付公司Afterpay Ltd.在截至6月30日的12个月内，在北美的四期付款计划中完成了98亿美元，是一年前的两倍多。Klarna Bank AB今年上半年在美国的交易总额为32亿美元，高于2020年同期的7.22亿美元。大多数是四次付费计划。</blockquote></p><p> The payment plans are small—the average Afterpay transaction is $150—but they can add up if shoppers use them frequently.</p><p><blockquote>付款计划规模很小——平均Afterpay交易为150美元——但如果购物者经常使用它们，它们可以累积起来。</blockquote></p><p> Credit-reporting firms have faced technical challenges adding short-term installment plans to credit reports. Most credit reports aren’t set up to display biweekly payments. And there is often a lag between when consumers open accounts and when lenders send that information for inclusion in people’s credit reports. The lag can outlast a fast repayment period.</p><p><blockquote>信用报告公司在信用报告中添加短期分期付款计划时面临着技术挑战。大多数信用报告并未设置为显示每两周付款一次。消费者开设账户和贷方发送该信息以纳入人们的信用报告之间通常存在滞后。这种滞后可能会超过快速还款期。</blockquote></p><p> Some buy now, pay later installment loans for big-ticket items are recorded on credit reports in the same section as personal loans. Far fewer of these smaller, short-term plans, which in most cases don’t require credit checks, are reflected in credit reports.</p><p><blockquote>一些先买后付的大件商品分期贷款与个人贷款记录在信用报告的同一部分。这些规模较小的短期计划（在大多数情况下不需要信用检查）很少反映在信用报告中。</blockquote></p><p> TransUnion&nbsp;said it doesn’t include these plans on its credit reports but is working with buy now, pay later companies to enable reporting next year. A small number of buy now, pay later companies submit information about these plans to&nbsp;Experian&nbsp;PLC, which then includes that data in credit reports. Experian is working with buy now, pay later firms to add more of this information to its reports.</p><p><blockquote>TransUnion表示，它没有将这些计划纳入其信用报告中，但正在与“先买后付”公司合作，以便明年进行报告。少数先买后付的公司向Experian plc提交有关这些计划的信息，然后Experian plc将这些数据包含在信用报告中。益百利正在与“先买后付”公司合作，在其报告中添加更多此类信息。</blockquote></p><p> Afterpay and Klarna, two of the biggest players in the business, don’t report their pay-in-4 plans to U.S. credit-reporting firms.Affirm Holdings&nbsp;Inc.&nbsp;said it reports the full payment history of some of its loans, including on-time payments and delinquencies. The company doesn’t report its pay-in-4 product. All three said they have been talking to the firms about potentially reporting these plans.</p><p><blockquote>该行业最大的两家公司Afterpay和Klarna不向美国信用报告公司报告其4期付款计划。Affirm Holdings Inc.表示，它报告了部分贷款的完整付款历史记录，包括按时付款和拖欠。该公司没有报告其pay-in-4产品。三人都表示，他们一直在与这些公司讨论报告这些计划的可能性。</blockquote></p><p> One stumbling block: The frequent opening and closing of accounts can drag down credit scores. The buy now, pay later companies want to make sure customers who pay their bills on time aren’t penalized for frequent use of their short-term payment plans.</p><p><blockquote>一个绊脚石：频繁开户和关闭账户会拖累信用评分。“先买后付”公司希望确保按时支付账单的客户不会因频繁使用短期付款计划而受到惩罚。</blockquote></p><p> Equifax will add the pay-in-4 data to credit reports beginning at the end of February. Both positive and negative information, on-time payments and defaults, will be included in reports and reflected in consumers’ credit scores, Equifax said.</p><p><blockquote>Equifax将从2月底开始将pay-in-4数据添加到信用报告中。Equifax表示，正面和负面信息（按时付款和违约）都将包含在报告中，并反映在消费者的信用评分中。</blockquote></p><p> Buy now, pay later plans are especially popular among people with limited credit histories who don’t qualify for credit cards or other traditional credit. These consumers, Equifax said, should get a boost from the plans’ inclusion on credit reports if they pay their bills on time.</p><p><blockquote>“先买后付”计划在信用记录有限、没有资格获得信用卡或其他传统信贷的人中特别受欢迎。Equifax表示，如果这些消费者按时支付账单，将这些计划纳入信用报告应该会得到提振。</blockquote></p><p> People who have thin credit files or who have no more than two years of credit history saw an average FICO credit-score increase of 21 points, according to an Equifax study, compared with an average of 13 points for the typical borrower.</p><p><blockquote>根据Equifax的一项研究，信用档案薄弱或信用记录不超过两年的人的FICO信用评分平均增加了21分，而典型借款人的平均增加了13分。</blockquote></p><p> The credit report will include when the payment plan was opened, the scheduled payment the consumer has agreed to make and the actual payment that is made.</p><p><blockquote>信用报告将包括付款计划打开的时间、消费者同意支付的预定付款以及实际支付的款项。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.wsj.com/articles/equifax-to-add-more-buy-now-pay-later-plans-to-credit-reports-11639915203?mod=hp_lista_pos4\">The Wall Street Journal</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"EFX":"艾可菲"},"source_url":"https://www.wsj.com/articles/equifax-to-add-more-buy-now-pay-later-plans-to-credit-reports-11639915203?mod=hp_lista_pos4","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1153903024","content_text":"Short-term payment plans for small-ticket items are growing quickly, creating a blind spot for lenders\nEarly next year, Equifax will begin recording ‘pay-in-4’ installment plans on people’s credit reports.\nA popular kind of “buy now, pay later” plan is coming to credit reports.\nEarly next year,Equifax Inc. will begin recording installment plans that allow shoppers to make four biweekly payments instead of covering the full cost at checkout. The move is meant to give lenders a fuller picture of people’s financial commitments, including how much they owe on these plans.\nThese “pay-in-4” plans have exploded in popularity in recent years. They are often used for small-ticket items such as clothing and makeup and are typically billed directly to a shopper’s debit or credit card. A $200 shopping trip, for example, requires $50 upfront and three more $50 payments billed every two weeks.\nBuy now, pay later is booming in the U.S. High-end and discount retailers alike offer the plans at checkout online. Some merchants also offer them in stores. But the plans often don’t show up on credit reports, creating a blind spot for lenders that use the information on the reports to gauge an applicant’s ability to repay.\n“Responsible lending benefits from a complete picture of a person’s financial obligations,” said Equifax Chief Executive Mark Begor.\nBillions of dollars of obligations go unreported. Buy now, pay later company Afterpay Ltd., for example, did $9.8 billion in pay-in-4 plans in North America during the 12 months ended June 30, more than double a year earlier. Klarna Bank AB transactions during the first half of the year in the U.S. totaled $3.2 billion, up from $722 million during the same period in 2020. The majority are pay-in-4 plans.\nThe payment plans are small—the average Afterpay transaction is $150—but they can add up if shoppers use them frequently.\nCredit-reporting firms have faced technical challenges adding short-term installment plans to credit reports. Most credit reports aren’t set up to display biweekly payments. And there is often a lag between when consumers open accounts and when lenders send that information for inclusion in people’s credit reports. The lag can outlast a fast repayment period.\nSome buy now, pay later installment loans for big-ticket items are recorded on credit reports in the same section as personal loans. Far fewer of these smaller, short-term plans, which in most cases don’t require credit checks, are reflected in credit reports.\nTransUnion said it doesn’t include these plans on its credit reports but is working with buy now, pay later companies to enable reporting next year. A small number of buy now, pay later companies submit information about these plans to Experian PLC, which then includes that data in credit reports. Experian is working with buy now, pay later firms to add more of this information to its reports.\nAfterpay and Klarna, two of the biggest players in the business, don’t report their pay-in-4 plans to U.S. credit-reporting firms.Affirm Holdings Inc. said it reports the full payment history of some of its loans, including on-time payments and delinquencies. The company doesn’t report its pay-in-4 product. All three said they have been talking to the firms about potentially reporting these plans.\nOne stumbling block: The frequent opening and closing of accounts can drag down credit scores. The buy now, pay later companies want to make sure customers who pay their bills on time aren’t penalized for frequent use of their short-term payment plans.\nEquifax will add the pay-in-4 data to credit reports beginning at the end of February. Both positive and negative information, on-time payments and defaults, will be included in reports and reflected in consumers’ credit scores, Equifax said.\nBuy now, pay later plans are especially popular among people with limited credit histories who don’t qualify for credit cards or other traditional credit. These consumers, Equifax said, should get a boost from the plans’ inclusion on credit reports if they pay their bills on time.\nPeople who have thin credit files or who have no more than two years of credit history saw an average FICO credit-score increase of 21 points, according to an Equifax study, compared with an average of 13 points for the typical borrower.\nThe credit report will include when the payment plan was opened, the scheduled payment the consumer has agreed to make and the actual payment that is made.","news_type":1,"symbols_score_info":{"EFX":0.9}},"isVote":1,"tweetType":1,"viewCount":3036,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":605283438,"gmtCreate":1639181144827,"gmtModify":1639181144938,"author":{"id":"3581754084854007","authorId":"3581754084854007","name":"7dab6d0","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3581754084854007","authorIdStr":"3581754084854007"},"themes":[],"htmlText":"Like pls","listText":"Like pls","text":"Like pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":4,"repostSize":0,"link":"https://laohu8.com/post/605283438","repostId":"1133027099","repostType":4,"repost":{"id":"1133027099","kind":"news","weMediaInfo":{"introduction":"Providing stock market headlines, business news, financials and earnings ","home_visible":1,"media_name":"Tiger Newspress","id":"1079075236","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1639152670,"share":"https://www.laohu8.com/m/news/1133027099?lang=zh_CN&edition=full","pubTime":"2021-12-11 00:11","market":"us","language":"en","title":"Sea Ltd stock dropped more than 5% in morning trading<blockquote>Sea Ltd股价早盘下跌超过5%</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1133027099","media":"Tiger Newspress","summary":"Sea Ltd stock dropped more than 5% in morning trading.","content":"<p>Sea Ltd stock dropped more than 5% in morning trading.</p><p><blockquote>Sea Ltd股价早盘下跌超过5%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/f6295277426435ac2c7135ba73dfbdef\" tg-width=\"840\" tg-height=\"470\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Sea Ltd stock dropped more than 5% in morning trading<blockquote>Sea Ltd股价早盘下跌超过5%</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; 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